(SBI) Rupay Credit Card: Benefits, Eligibility, Fees

Credit cards have emerged to be used in today’s digital world. As everybody tries to make financial transactions safe, easy, and convenient, (SBI) Rupay Credit Card play an essential role. Nowadays, several types of credit cards are provided by different banks and financial institutions, as they cater to the diversified needs of the people in the market.

In this episode, the SBI RuPay Credit Card introduced by the State Bank of India (SBI) has emerged as an important and unique option. This credit card is especially for those who not only want to keep their expenses under control but also want to make them more convenient and secure.

In today’s article, we will tell you in detail what is SBI Rupay Credit Card. What are its benefits? What should be the eligibility to get an SBI Rupay Credit Card? How to apply for an SBI Rupay Credit Card? We will discuss all these topics in detail in this article. So read this article till the end so that you do not face any problems later.

What is the (SBI) Rupay Credit Card?

SBI RuPay Credit Card is a type of credit card issued by the State Bank of India (SBI) and is based on India’s indigenous card network RuPay. The RuPay network was developed by the National Payments Corporation of India (NPCI) and aims to provide a domestic payment system in India that provides more secure, affordable, and better credit card services to customers. 

SBI RuPay Rupay Credit Card is a co-branded credit card between IRCTC and the State Bank of India. It is a travel card specially designed for frequent rail travelers. The card comes with several benefits in travel and other matters.

How is the design of the (SBI) Rupay Credit Card?

Credit Card comes in an attractive and useful design. The front is usually polished with a smooth finish, giving it a sleek and modern look. On the front side of the card, there is the logo of the State Bank of India and the RuPay logo to confirm that the card is part of the broad RuPay network, used in various transactions across India.

Based on the variant, it can come in different color themes. In other cases, the Classic variant may have a blue background, while the Platinum or any other premium version would flaunt a mix of bold colors or metallic finishes.

What are the benefits of the (SBI) Rupay Credit Card?

Here are the major benefits in simple words:

1. Get Reward Points: Every time you make a purchase using the card, you get some reward points. You can get further rewards in the form of shopping vouchers, travel, gift coupons, or even cashback. The reward points vary from ₹100 to 1 reward point depending on the purchase type.

2. Cashback Offer: The cashback is there on specific spending like grocery stores, online buying, and making bill payments so that you earn money back upon your daily usage.

3. Discount and Offers: The card, most of the time comes with unique discounts on partnership merchants, food chains, and shopping websites, with which you often make purchases thus saving money out of it.

4. Travel Benefits: The benefits of traveling with the SBI RuPay Credit Card depend on the version and some offer benefits regarding travel. This includes fare reductions when booking a flight, hotel stays, and many other benefits concerning travel. You also get access to airport lounge services.

5. Safe Transactions: It has a chip in it; therefore, all online as well as physical transactions become safer and fraud-proof.

6. Contactless Payments: Many SBI RuPay Credit Cards allow contactless payments, so you can just tap the card to pay, which makes transactions faster and easier.

7. EMI Option: In case you are making a big purchase, you can convert it into easy monthly installments (EMIs) for better management of payments.

8. No Annual Fee: Some versions of the card have no annual fee in the first year, and its waiver can be achieved for subsequent years based on meeting spending requirements.

What are the fees for the (SBI) Rupay Credit Card?

Here is a simple breakup of the Credit Card fees.

Joining Fee	₹4,99 + GST (one-time fee when you get the card).
Annual Fee	₹2,99 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year.
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.40% per month (40% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Nil for amounts less than Rs. 100. Between 100 and 500 rupees: Rs. 100. Rs. 500 for amounts ranging from Rs. 501 to Rs. 5,000. Rs. 750 for amounts ranging from Rs. 5,001 to Rs. 10,000. 900 for amounts ranging from Rs. 10,000 to Rs. 25,000. Rs. 1,000 for amounts ranging from Rs. 25,001 to Rs. 50,000. 1,200 for amounts greater than Rs. 50,000.

What are the criteria for getting an (SBI) Rupay Credit Card?

The following are the primary requirements:

1. To apply for the  SBI Rupay Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs.1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for SBI Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an (SBI) Rupay Credit Card?

The documents that you will have to submit to get an Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, ancient agreements, Bank statements, or passbooks with your address
Income Proof	Utility bills like electricity, water, ancient agreements, Bank statements, or passbooks with your address
Photograph	The latest passport-sized photograph

Where can the SBI Rupay Credit Card be used?

Here is the list of places where you can use it:

• With the Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the (SBI) Rupay Credit Card?

The credit amount you can spend is what you are provided with an Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an (SBI) Rupay Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the SBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the  SBI Rupay Credit Card.

• Just hover your cursor on the Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest SBI Bank branch to apply for the  SBI Rupay Credit Card.

• Request for the credit card application form of the  SBI Rupay Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, or mobile app or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an SBI Rupay Credit Card in 2025 be right?

Yes, getting an SBI Rupay Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

SBI Rupay Credit Card is a one-of-a-kind, convenient financial product that keeps in mind the needs of Indian customers. It makes your transactions secure and easy, along with offering various cashback, offers, and discounts. The card’s affordable fees and enhanced convenience make it an excellent choice for anyone seeking a domestic payment solution in the Indian market. Additionally, this credit card is based on the RuPay network, offering powerful and secure financial experiences to Indian customers.

SBI Rupay Credit Card is not your ordinary credit card; it rather helps you steer your financial way in a far more controlled and secure manner along with the elements of rewards as well. Not just that, shopping and bill payment have become much simpler, and availing various types of cashback offers and discounts also does not go miles away. Now, the new card will help users to transact globally on strong and secure platforms.

With all these features, the SBI Rupay Credit Card is yet another option that can be able to give Indian consumers a powerful, secure, and rewarding financial experience. It has all that is required from a credit card, be it online shopping, traveling, or any other kind of transaction; it is ready to meet the need. This will make your financial journey more easier and convenient with the strength of the RuPay network and the credibility of SBI.

Frequently Asked Questions (FAQ’s)